| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 2.44% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | P.O.BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 0.69% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BCBS EIN 42-0318333 NONE | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $409K |
| DELTA DENTAL EIN 42-0959302 NONE | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $42K |
| PROHABITS INC NONA | Other services; Direct payment from the plan Service code 49 | 116 W. HUBBARD ST. SUITE 200 CHICAGO, IL 60654 | $36K |
| EMPLOYEE FAMILY RESOURCES EIN 42-0923932 NONE | Contract Administrator Service code 13 | — | $20K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 721 | $8.8M |
| Vision | VISION SERVICE PLAN | 583 | $138K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 794 | $914K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 794 | $914K |
| Other | HARTFORD LIFE AND ACCIDENT | 794 | $914K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.